bashrc not loading automatically?

By default on a Mac OS X and other *nix systems, Terminal starts the shell via /usr/bin/login, which makes the shell a login shell. On every platform (not just Mac OS X) bash does not use .bashrc for login shells (uses only /etc/profile and the first of .bash_profile, .bash_login, .profile that exists and is readable). This is why adding source ~/.bashrc in your .bash_profile usually works.

But if that doesn't work, try adding the settings to /etc/profile or /etc/bash.bashrc

#cat /etc/bash.bashrc
PROMPT_COMMAND="history -a; history -c; history -r; $PROMPT_COMMAND